Job Description

Debt Recovery Officer | Experts Consult Ltd Ghana

EXPERTS CONSULT LTD is hiring Debt Recovery Officers in Ghana. This opportunity is suitable for entry-level candidates and recent graduates looking to build a career in debt recovery, credit administration, loan servicing, customer relationship management, collections, financial services, microfinance, and loan portfolio management.

No prior experience is required, making this an excellent opportunity for motivated individuals eager to gain practical exposure in the banking, lending, credit risk, and debt collection industry.

Debt Recovery Officer – Experts Consult Ltd Ghana

Job Overview

The Debt Recovery Officer will support loan recovery operations by following up with customers on overdue loan payments, maintaining customer relationships, assisting in loan processing, and supporting collection strategies.

The role combines customer service, loan administration, repayment monitoring, debt collection, credit assessment, financial reporting, and client relationship management to ensure healthy loan portfolio performance.

Candidates interested in finance, loan officer, and banking jobs in West Africa can discover more opportunities through debt recovery jobs in Ghana

Job Title

Debt Recovery Officer

Company

Experts Consult Ltd

Job Location

Ghana

Employment Type

Full-Time

Industry

Financial Services / Professional Services

Category

Finance | Accounting | Credit Management | Customer Service

Job Description (Key Duties & Responsibilities)

Loan Client Acquisition & Onboarding

The Debt Recovery Officer will:

• Source and onboard new loan customers
• Educate clients about available loan products and repayment options
• Build strong relationships with customers while promoting responsible borrowing practices

Loan Processing & Credit Assessment

• Assess loan applications and review customer information
• Evaluate creditworthiness and repayment capacity
• Assist in loan approval and disbursement procedures according to company guidelines
• Ensure proper documentation and compliance with lending policies

Debt Recovery & Collections

• Follow up on overdue loan repayments through phone calls, visits, and customer engagement
• Negotiate repayment plans and assist clients in resolving outstanding balances
• Monitor loan accounts and support recovery efforts to reduce delinquency rates
• Maintain positive client relationships during the recovery process

Portfolio Monitoring & Reporting

• Monitor loan portfolios and repayment performance
• Maintain accurate customer records and financial documentation
• Prepare reports on:
  • Loan collections
  • Recovery progress
  • Client repayment trends
  • Loan performance indicators

Professionals seeking additional financial services and credit management vacancies across Africa may explore opportunities through debt recovery jobs in Tunisia

Education Requirements

Applicants should possess:

Minimum Qualification

• Diploma or Higher National Diploma (HND) in:
  • Finance
  • Accounting
  • Business Administration
  • Economics
  • Banking & Finance
  • Commerce
  • Related field

Recent graduates are encouraged to apply.

Experience Requirements

Required Experience

• 0–2 years of experience in:
  • Lending
  • Loan recovery
  • Credit analysis
  • Debt collection
  • Customer service
  • Financial operations

Entry-Level Applicants Welcome

Candidates with little or no professional experience but strong motivation to learn are encouraged to apply.

Explore more finance and microfinance job opportunities across Africa via debt recovery jobs in Algeria

Key Skills & Competencies

The ideal candidate should demonstrate:

• Debt Recovery Skills
• Loan Collection Techniques
• Credit Risk Assessment
• Customer Relationship Management
• Financial Data Analysis
• Communication & Negotiation Skills
• Loan Portfolio Monitoring
• Client Account Management
• Problem Solving & Decision Making
• Record Keeping & Documentation
• Time Management
• Financial Software Proficiency
• Attention to Detail
• Sales & Client Acquisition Skills
• Team Collaboration

Salary & Benefits

Salary: Not disclosed (Competitive and performance-based depending on company structure)

Potential benefits may include:

• Entry-level career growth opportunities
• Practical exposure to credit and debt management systems
• On-the-job mentorship and financial sector experience
• Professional development in loan administration and collections
• Performance incentives based on recovery targets

Training & Career Development

Selected candidates may receive training in:

• Loan Recovery Procedures
• Credit Analysis Fundamentals
• Debt Collection Strategies
• Customer Service Excellence
• Financial Reporting & Documentation
• Loan Processing & Disbursement Systems
• Negotiation & Client Communication Skills

This role offers a strong career pathway into positions such as:

• Credit Officer
• Loan Officer
• Relationship Officer
• Collections Specialist
• Credit Analyst
• Banking Operations Officer

Preferred Candidate Profile

The successful candidate should be:

• Self-motivated and target-driven
• Professional and customer-focused
• Comfortable working in a fast-paced environment
• Detail-oriented with strong organizational skills
• Able to manage sensitive financial information confidentially
• Willing to learn and grow in financial services

How to Apply

Interested candidates should prepare an updated CV/Resume and supporting academic documents for application consideration.

Only shortlisted applicants may be contacted for interviews and further assessment.